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DMP, maxing credit and full and final offer
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Now looking at moving my direct debits across from my lloyds account to my new starling account. How do I do this manually as I cannot see the recipent account details?0
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Hoping you are only planning to move your accommodation, utilities etc?If you've have not made a mistake, you've made nothing0
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Yes just need to move all direct debits other than the debts. But need my mortgage, council tax, utilities etc0
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Your existing bank should be able to give you a list of all existing DDs?If you've have not made a mistake, you've made nothing0
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There is a list of direct debits with figures but there are no account details for them?0
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Go to each of your providers websites, log in to your account and click on "change payment details" or whatever it might be, and do it all there, easy.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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Great, thank you0
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Hi All
Just in the process of getting this now sorted and wondering if I should send holding letters making them aware I will not be paying and maybe even asking them to default me as soon as possible so repayment can start?
Also there was a great website I previously looked at which was some sort of citizens advice and it had examples of letters and calculators that could be used. I cannot seem to find it and just wondered if anyone could recommend.
I am thinking I will self manage rather than use stepchange.0 -
Probably NE CAB, they are pretty good with templates.
It's probably best to go cold turkey. It'll speed up the process, largely computerised. And there's always the risk that if you put a person in the mix they decide to do the opposite to what you ask.If you've have not made a mistake, you've made nothing0 -
Hi all just after a bit of advice please. I have had an email from American Express. It says ‘Notice of default served under section 87(1) of the Consumer Credit Act 1974’
but further down the email it says the f I bring my account up to date(£706) by 3rd of April no further action will be taken, is this a default or not?0
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